Klarna Group plc (KLAR) 10-Year Financial Performance & Capital Metrics

KLAR •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

AboutKlarna Group plc operates as a technology-driven payments company in the United Kingdom, the United States, Germany, Sweden, and internationally. The company offers advertising and marketing solutions, consumer services, digital financial services, and personal shopping and money assistance services. In addition, it provides digital retail banking solutions, such as fixed-term deposits, savings, and bank accounts; digital loyalty cards; and customer and merchant support services, as well as manages personal finances. Klarna Group plc was formerly known as Klarna UK II plc and changed its name to Klarna Group plc in December 2023. The company was founded in 2005 and is based in London, United Kingdom.Show more

Revenue $2.67B +21.2%
EBITDA $68M +170.8%
Net Income $3M +101.2%
EPS (Diluted) 0.01 +101.0%
Gross Margin 77.65% +3.0%
EBITDA Margin 2.55% +158.5%
Operating Margin -4.54% +69.1%
Net Margin 0.11% +101.0%
ROE 0.13% +101.2%
ROIC -218.67% -664.6%
Debt/Equity 0.35 +63.1%
Interest Coverage -0.24 +77.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓FCF machine: 20.3% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 25.7%

✗Weaknesses

✗Weak momentum: RS Rating 15 (bottom 15%)
✗Trading more than 30% below 52-week high
✗Low asset turnover indicates capital-intensive operations

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y25.71%

3Y18.1%

TTM21.96%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM30.23%

EPS CAGR

10Y-

5Y-

3Y-

TTM-

ROCE

10Y Avg-4.92%

5Y Avg-9.66%

3Y Avg-9.12%

Latest-2.96%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	389.62M	547.51M	677.71M	849.54M	1.33B	1.62B	1.89B	2.2B	2.67B
Revenue Growth %	-	40.53%	23.78%	25.36%	56.95%	21.42%	16.62%	16.58%	21.17%
Cost of Goods Sold+	63.02M	86.06M	117.31M	251.5M	377.41M	595.74M	520M	541M	596M
COGS % of Revenue	16.17%	15.72%	17.31%	29.6%	28.31%	36.8%	27.54%	24.58%	22.35%
Gross Profit+	326.6M	461.45M	560.4M	598.04M	955.93M	1.02B	1.37B	1.66B	2.07B
Gross Margin %	83.83%	84.28%	82.69%	70.4%	71.69%	63.2%	72.46%	75.42%	77.65%
Gross Profit Growth %	-	41.29%	21.44%	6.72%	59.84%	7.04%	33.69%	21.34%	24.76%
Operating Expenses+	308.15M	397.73M	542.52M	709.57M	1.14B	1.75B	2.35B	1.98B	2.19B
OpEx % of Revenue	79.09%	72.64%	80.05%	83.52%	85.72%	108.23%	124.36%	90.1%	82.19%
Selling, General & Admin	283.83M	357.67M	490.97M	649.71M	1.06B	1.67B	851M	651M	609M
SG&A % of Revenue	72.85%	65.33%	72.45%	76.48%	79.16%	103.45%	45.07%	29.58%	22.83%
Research & Development	7.12M	9.15M	8.51M	11.2M	16.56M	0	430M	389M	444M
R&D % of Revenue	1.83%	1.67%	1.26%	1.32%	1.24%	-	22.78%	17.67%	16.65%
Other Operating Expenses	17.2M	30.91M	43.03M	48.65M	70.92M	77.49M	1.07B	943M	1.14B
Operating Income+	18.45M	63.72M	17.88M	-111.53M	-186.97M	-729.06M	-980M	-323M	-121M
Operating Margin %	4.74%	11.64%	2.64%	-13.13%	-14.02%	-45.03%	-51.91%	-14.68%	-4.54%
Operating Income Growth %	-	245.34%	-71.93%	-723.61%	-67.65%	-289.94%	-34.42%	67.04%	62.54%
EBITDA+	23.73M	70.03M	25.45M	-103.25M	-172.67M	-674.67M	-818M	-96M	68M
EBITDA Margin %	6.09%	12.79%	3.76%	-12.15%	-12.95%	-41.67%	-43.33%	-4.36%	2.55%
EBITDA Growth %	-	195.16%	-63.66%	-505.7%	-67.24%	-290.74%	-21.24%	88.26%	170.83%
D&A (Non-Cash Add-back)	5.28M	6.31M	7.56M	8.28M	14.3M	54.39M	162M	227M	189M
EBIT	31.69M	89.61M	54.01M	-78.45M	-130.49M	-656.65M	-849M	-101M	238M
Net Interest Income+	-12.81M	-16.91M	-26.18M	-35.17M	-61.41M	-73.62M	-131M	-222M	-359M
Interest Income	0	0	0	-35.17M	-61.41M	-73.62M	16M	75M	144M
Interest Expense	0	0	0	0	0	0	147M	297M	503M
Other Income/Expense	0	0	0	0	0	0	-58M	19M	154M
Pretax Income+	18.45M	63.72M	17.88M	-111.53M	-186.97M	-729.06M	-1.04B	-304M	33M
Pretax Margin %	4.74%	11.64%	2.64%	-13.13%	-14.02%	-45.03%	-54.98%	-13.81%	1.24%
Income Tax+	6.02M	21.71M	6.22M	18.88M	28.34M	58.37M	-3M	-60M	12M
Effective Tax Rate %	67.38%	65.93%	65.03%	82.86%	82.34%	106.4%	100%	81.91%	9.09%
Net Income+	12.43M	42.01M	11.63M	-92.41M	-153.95M	-775.71M	-1.04B	-249M	3M
Net Margin %	3.19%	7.67%	1.72%	-10.88%	-11.55%	-47.91%	-54.98%	-11.31%	0.11%
Net Income Growth %	-	237.89%	-72.31%	-894.52%	-66.59%	-403.89%	-33.81%	76.01%	101.2%
Net Income (Continuing)	12.43M	42.01M	11.66M	-92.64M	-158.63M	-787.43M	-1.03B	-244M	21M
Discontinued Operations	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	6.78M	6.51M	7.91M	8.07M	6.04M	5M	171M
EPS (Diluted)+	0.00	0.00	0.00	0.00	0.00	0.00	-3.09	-0.69	0.01
EPS Growth %	-	-	-	-	-	-	-	77.83%	100.97%
EPS (Basic)	0.00	0.00	0.00	0.00	0.00	0.00	-3.09	-0.69	0.01
Diluted Shares Outstanding	0	0	0	0	0	0	335.56M	362.09M	364.41M
Basic Shares Outstanding	0	0	0	0	0	0	335.56M	362.09M	363.99M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	1.19B	2.09B	2.94B	3.7B	6.82B	10.59B	10.44B	11.46B	11.21B
Cash & Short-Term Investments	103.4M	225.25M	348.02M	279.52M	1.24B	2.83B	2.57B	2.39B	3.59B
Cash Only	4.39K	4.39K	37.34K	11.43M	609.5M	1.75B	1.54B	2.39B	3.24B
Short-Term Investments	103.39M	225.24M	347.99M	268.09M	634.44M	1.08B	1.03B	0	347M
Accounts Receivable	0	0	0	0	0	0	7.3B	9B	7.52B
Days Sales Outstanding	-	-	-	-	-	-	1.41K	1.49K	1.03K
Inventory	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-
Other Current Assets	1.08B	1.86B	2.58B	3.41B	5.56B	7.76B	556.96M	19M	69M
Total Non-Current Assets+	141.53M	229.75M	245.44M	560.96M	698.27M	1.22B	1.57B	2.33B	2.61B
Property, Plant & Equipment	6.02M	7.54M	9.09M	95.32M	122M	211.81M	196.09M	122M	85M
Fixed Asset Turnover	64.73x	72.62x	74.52x	8.91x	10.93x	7.64x	9.63x	18.04x	31.38x
Goodwill	98.64M	155.52M	149.82M	144.63M	173.72M	506.97M	657.61M	667M	613M
Intangible Assets	15.23M	37.65M	38.57M	41.78M	42.45M	106.9M	344.01M	533M	376M
Long-Term Investments	1.13M	0	4.65M	197.93M	198.11M	212.8M	115.31M	808M	130M
Other Non-Current Assets	20.5M	29.04M	43.31M	81.31M	161.99M	183.51M	261.61M	170M	1.37B
Total Assets+	1.33B	2.32B	3.18B	4.26B	7.51B	11.81B	12.01B	13.75B	13.8B
Asset Turnover	0.29x	0.24x	0.21x	0.20x	0.18x	0.14x	0.16x	0.16x	0.19x
Asset Growth %	-	74.8%	37.27%	33.8%	76.42%	57.21%	1.69%	14.44%	0.41%
Total Current Liabilities+	558.28M	963.49M	1.43B	1.99B	3.77B	5.66B	6.73B	10.12B	9.25B
Accounts Payable	7.87M	16.46M	2.76M	16.29M	28.93M	20.56M	17.65M	1.45B	1.27B
Days Payables Outstanding	45.57	69.8	8.59	23.64	27.98	12.6	12.39	980.3	776.54
Short-Term Debt	29.04M	36.78M	2.7M	703.93M	609.09M	697.34M	345.36M	252M	234M
Deferred Revenue (Current)	0	0	0	0	0	0	0	8.36B	7.68B
Other Current Liabilities	488.6M	863.29M	1.36B	1.16B	2.93B	4.6B	6.06B	0	0
Current Ratio	2.12x	2.17x	2.05x	1.86x	1.81x	1.87x	1.55x	1.13x	1.21x
Quick Ratio	2.12x	2.17x	2.05x	1.86x	1.81x	1.87x	1.55x	1.13x	1.21x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	461.99M	838.65M	1.21B	1.24B	2.01B	3.45B	2.96B	1.43B	2.29B
Long-Term Debt	86.43M	291.04M	450.01M	483.54M	265.7M	423.29M	124.04M	86M	464M
Capital Lease Obligations	0	0	0	55.25M	71.65M	134.09M	128.36M	104M	70M
Deferred Tax Liabilities	0	0	0	0	0	0	0	1M	1M
Other Non-Current Liabilities	375.57M	547.61M	756.38M	697.9M	1.67B	2.89B	2.71B	-175M	-350M
Total Liabilities	1.02B	1.8B	2.64B	3.23B	5.77B	9.1B	9.69B	11.55B	11.55B
Total Debt+	115.47M	327.81M	452.71M	1.26B	967.55M	1.28B	637.95M	472M	791M
Net Debt	115.47M	327.81M	452.67M	1.24B	358.06M	-462.97M	-905.12M	-1.92B	-2.45B
Debt / Equity	0.38x	0.63x	0.83x	1.22x	0.56x	0.47x	0.27x	0.21x	0.35x
Debt / EBITDA	4.87x	4.68x	17.79x	-	-	-	-	-	11.63x
Net Debt / EBITDA	4.87x	4.68x	17.79x	-	-	-	-	-	-36.06x
Interest Coverage	-	-	-	-	-	-	-6.67x	-1.09x	-0.24x
Total Equity+	306.53M	517.06M	546.54M	1.03B	1.74B	2.71B	2.32B	2.2B	2.26B
Equity Growth %	-	68.68%	5.7%	88.64%	69.01%	55.56%	-14.37%	-5.35%	2.73%
Book Value per Share	-	-	-	-	-	-	6.92	6.07	6.19
Total Shareholders' Equity	306.53M	517.06M	539.76M	1.02B	1.73B	2.7B	2.32B	2.19B	2.09B
Common Stock	206.3K	239.78K	224.07K	243.25K	297.81K	331.64K	287.8K	0	0
Retained Earnings	60.04M	108.03M	103.94M	2.37M	-155.31M	-958.01M	-1.8B	-2.16B	-2.08B
Treasury Stock	0	0	0	0	0	0	0	0	0
Accumulated OCI	8.06M	45.63M	78.53M	78.13M	74.82M	91.75M	123.56M	-311M	-479M
Minority Interest	0	0	6.78M	6.51M	7.91M	8.07M	6.04M	5M	171M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	47.65M	-316.54M	81.72M	-902.92M	198.24M	-365.47M	336M	808M	587M
Operating CF Margin %	12.23%	-57.81%	12.06%	-106.28%	14.87%	-22.57%	17.8%	36.71%	22.01%
Operating CF Growth %	-	-764.37%	125.82%	-1204.91%	121.96%	-284.36%	191.94%	140.48%	-27.35%
Net Income	12.43M	42.01M	11.63M	-92.41M	-153.95M	-775.71M	-1.04B	-304M	33M
Depreciation & Amortization	12.4M	15.47M	16.08M	31.94M	48.73M	82.47M	162M	227M	189M
Stock-Based Compensation	2.28M	-63.63K	868.75K	511.27K	10.88M	58.48M	56M	43M	92M
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	17.98M	51.83M	28.66M	34.65M	18.84M	233.15M	1.07B	475M	438M
Working Capital Changes	2.56M	-425.79M	24.48M	-877.62M	273.73M	36.15M	88M	367M	-165M
Change in Receivables	0	0	0	0	0	0	-1.76B	-1.72B	-1.18B
Change in Inventory	0	0	0	0	0	0	0	0	0
Change in Payables	0	0	0	0	0	0	0	0	0
Cash from Investing+	-10.3M	-68.39M	-34.31M	-147.27M	-57.29M	-489.4M	-459M	-83M	154M
Capital Expenditures	-2.72M	-4M	-6.04M	-19.89M	-7.77M	-27.08M	-11M	-1M	-1M
CapEx % of Revenue	0.7%	0.73%	0.89%	2.34%	0.58%	1.67%	0.58%	0.05%	0.04%
Acquisitions	0	-48.8M	-5.64K	-104.55M	-17.32M	-245.2M	-354M	0	199M
Investments	-	-	-	-	-	-	-	-	-
Other Investing	-7.57M	-15.59M	-28.27M	-22.83M	-32.2M	-217.12M	-94M	-82M	-44M
Cash from Financing+	43.3M	372.46M	82.86M	976.68M	535.19M	2.14B	18M	-62M	312M
Debt Issued (Net)	32.59M	243.08M	33.59M	371M	-193.97M	481.77M	-782M	-78M	170M
Equity Issued (Net)	0	0	0	0	0	0	1000K	1000K	0
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0
Other Financing	10.72M	129.39M	49.26M	605.68M	729.15M	1.66B	1M	-23M	142M
Net Change in Cash	128.65M	3.04M	124.61M	-82.87M	667.77M	1.23B	-377M	697M	852M
Free Cash Flow+	44.92M	-320.54M	75.68M	-922.81M	190.47M	-392.56M	231M	723M	542M
FCF Margin %	11.53%	-58.55%	11.17%	-108.62%	14.29%	-24.25%	12.24%	32.85%	20.32%
FCF Growth %	-	-813.56%	123.61%	-1319.3%	120.64%	-306.1%	158.85%	212.99%	-25.03%
FCF per Share	-	-	-	-	-	-	0.69	2.00	1.49
FCF Conversion (FCF/Net Income)	3.83x	-7.54x	7.03x	9.77x	-1.29x	0.47x	-0.32x	-3.24x	195.67x
Interest Paid	0	0	0	0	0	0	0	0	0
Taxes Paid	0	0	0	0	0	0	0	0	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.06%	10.2%	2.19%	-11.72%	-11.1%	-34.84%	-41.26%	-11.02%	0.13%
Return on Invested Capital (ROIC)	3.28%	7.54%	1.45%	-5.11%	-6.41%	-25.15%	-40.12%	-28.6%	-218.67%
Gross Margin	83.83%	84.28%	82.69%	70.4%	71.69%	63.2%	72.46%	75.42%	77.65%
Net Margin	3.19%	7.67%	1.72%	-10.88%	-11.55%	-47.91%	-54.98%	-11.31%	0.11%
Debt / Equity	0.38x	0.63x	0.83x	1.22x	0.56x	0.47x	0.27x	0.21x	0.35x
Interest Coverage	-	-	-	-	-	-	-6.67x	-1.09x	-0.24x
FCF Conversion	3.83x	-7.54x	7.03x	9.77x	-1.29x	0.47x	-0.32x	-3.24x	195.67x
Revenue Growth	-	40.53%	23.78%	25.36%	56.95%	21.42%	16.62%	16.58%	21.17%

US Stock Screener

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Klarna Group plc (KLAR) 10-Year Financial Performance & Capital Metrics

KLAR •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

Revenue $2.67B +21.2%
EBITDA $68M +170.8%
Net Income $3M +101.2%
EPS (Diluted) 0.01 +101.0%
Gross Margin 77.65% +3.0%
EBITDA Margin 2.55% +158.5%
Operating Margin -4.54% +69.1%
Net Margin 0.11% +101.0%
ROE 0.13% +101.2%
ROIC -218.67% -664.6%
Debt/Equity 0.35 +63.1%
Interest Coverage -0.24 +77.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓FCF machine: 20.3% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 25.7%

✗Weaknesses

✗Weak momentum: RS Rating 15 (bottom 15%)
✗Trading more than 30% below 52-week high
✗Low asset turnover indicates capital-intensive operations

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y25.71%

3Y18.1%

TTM21.96%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM30.23%

EPS CAGR

10Y-

5Y-

3Y-

TTM-

ROCE

10Y Avg-4.92%

5Y Avg-9.66%

3Y Avg-9.12%

Latest-2.96%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	389.62M	547.51M	677.71M	849.54M	1.33B	1.62B	1.89B	2.2B	2.67B
Revenue Growth %	-	40.53%	23.78%	25.36%	56.95%	21.42%	16.62%	16.58%	21.17%
Cost of Goods Sold+	63.02M	86.06M	117.31M	251.5M	377.41M	595.74M	520M	541M	596M
COGS % of Revenue	16.17%	15.72%	17.31%	29.6%	28.31%	36.8%	27.54%	24.58%	22.35%
Gross Profit+	326.6M	461.45M	560.4M	598.04M	955.93M	1.02B	1.37B	1.66B	2.07B
Gross Margin %	83.83%	84.28%	82.69%	70.4%	71.69%	63.2%	72.46%	75.42%	77.65%
Gross Profit Growth %	-	41.29%	21.44%	6.72%	59.84%	7.04%	33.69%	21.34%	24.76%
Operating Expenses+	308.15M	397.73M	542.52M	709.57M	1.14B	1.75B	2.35B	1.98B	2.19B
OpEx % of Revenue	79.09%	72.64%	80.05%	83.52%	85.72%	108.23%	124.36%	90.1%	82.19%
Selling, General & Admin	283.83M	357.67M	490.97M	649.71M	1.06B	1.67B	851M	651M	609M
SG&A % of Revenue	72.85%	65.33%	72.45%	76.48%	79.16%	103.45%	45.07%	29.58%	22.83%
Research & Development	7.12M	9.15M	8.51M	11.2M	16.56M	0	430M	389M	444M
R&D % of Revenue	1.83%	1.67%	1.26%	1.32%	1.24%	-	22.78%	17.67%	16.65%
Other Operating Expenses	17.2M	30.91M	43.03M	48.65M	70.92M	77.49M	1.07B	943M	1.14B
Operating Income+	18.45M	63.72M	17.88M	-111.53M	-186.97M	-729.06M	-980M	-323M	-121M
Operating Margin %	4.74%	11.64%	2.64%	-13.13%	-14.02%	-45.03%	-51.91%	-14.68%	-4.54%
Operating Income Growth %	-	245.34%	-71.93%	-723.61%	-67.65%	-289.94%	-34.42%	67.04%	62.54%
EBITDA+	23.73M	70.03M	25.45M	-103.25M	-172.67M	-674.67M	-818M	-96M	68M
EBITDA Margin %	6.09%	12.79%	3.76%	-12.15%	-12.95%	-41.67%	-43.33%	-4.36%	2.55%
EBITDA Growth %	-	195.16%	-63.66%	-505.7%	-67.24%	-290.74%	-21.24%	88.26%	170.83%
D&A (Non-Cash Add-back)	5.28M	6.31M	7.56M	8.28M	14.3M	54.39M	162M	227M	189M
EBIT	31.69M	89.61M	54.01M	-78.45M	-130.49M	-656.65M	-849M	-101M	238M
Net Interest Income+	-12.81M	-16.91M	-26.18M	-35.17M	-61.41M	-73.62M	-131M	-222M	-359M
Interest Income	0	0	0	-35.17M	-61.41M	-73.62M	16M	75M	144M
Interest Expense	0	0	0	0	0	0	147M	297M	503M
Other Income/Expense	0	0	0	0	0	0	-58M	19M	154M
Pretax Income+	18.45M	63.72M	17.88M	-111.53M	-186.97M	-729.06M	-1.04B	-304M	33M
Pretax Margin %	4.74%	11.64%	2.64%	-13.13%	-14.02%	-45.03%	-54.98%	-13.81%	1.24%
Income Tax+	6.02M	21.71M	6.22M	18.88M	28.34M	58.37M	-3M	-60M	12M
Effective Tax Rate %	67.38%	65.93%	65.03%	82.86%	82.34%	106.4%	100%	81.91%	9.09%
Net Income+	12.43M	42.01M	11.63M	-92.41M	-153.95M	-775.71M	-1.04B	-249M	3M
Net Margin %	3.19%	7.67%	1.72%	-10.88%	-11.55%	-47.91%	-54.98%	-11.31%	0.11%
Net Income Growth %	-	237.89%	-72.31%	-894.52%	-66.59%	-403.89%	-33.81%	76.01%	101.2%
Net Income (Continuing)	12.43M	42.01M	11.66M	-92.64M	-158.63M	-787.43M	-1.03B	-244M	21M
Discontinued Operations	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	6.78M	6.51M	7.91M	8.07M	6.04M	5M	171M
EPS (Diluted)+	0.00	0.00	0.00	0.00	0.00	0.00	-3.09	-0.69	0.01
EPS Growth %	-	-	-	-	-	-	-	77.83%	100.97%
EPS (Basic)	0.00	0.00	0.00	0.00	0.00	0.00	-3.09	-0.69	0.01
Diluted Shares Outstanding	0	0	0	0	0	0	335.56M	362.09M	364.41M
Basic Shares Outstanding	0	0	0	0	0	0	335.56M	362.09M	363.99M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	1.19B	2.09B	2.94B	3.7B	6.82B	10.59B	10.44B	11.46B	11.21B
Cash & Short-Term Investments	103.4M	225.25M	348.02M	279.52M	1.24B	2.83B	2.57B	2.39B	3.59B
Cash Only	4.39K	4.39K	37.34K	11.43M	609.5M	1.75B	1.54B	2.39B	3.24B
Short-Term Investments	103.39M	225.24M	347.99M	268.09M	634.44M	1.08B	1.03B	0	347M
Accounts Receivable	0	0	0	0	0	0	7.3B	9B	7.52B
Days Sales Outstanding	-	-	-	-	-	-	1.41K	1.49K	1.03K
Inventory	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-
Other Current Assets	1.08B	1.86B	2.58B	3.41B	5.56B	7.76B	556.96M	19M	69M
Total Non-Current Assets+	141.53M	229.75M	245.44M	560.96M	698.27M	1.22B	1.57B	2.33B	2.61B
Property, Plant & Equipment	6.02M	7.54M	9.09M	95.32M	122M	211.81M	196.09M	122M	85M
Fixed Asset Turnover	64.73x	72.62x	74.52x	8.91x	10.93x	7.64x	9.63x	18.04x	31.38x
Goodwill	98.64M	155.52M	149.82M	144.63M	173.72M	506.97M	657.61M	667M	613M
Intangible Assets	15.23M	37.65M	38.57M	41.78M	42.45M	106.9M	344.01M	533M	376M
Long-Term Investments	1.13M	0	4.65M	197.93M	198.11M	212.8M	115.31M	808M	130M
Other Non-Current Assets	20.5M	29.04M	43.31M	81.31M	161.99M	183.51M	261.61M	170M	1.37B
Total Assets+	1.33B	2.32B	3.18B	4.26B	7.51B	11.81B	12.01B	13.75B	13.8B
Asset Turnover	0.29x	0.24x	0.21x	0.20x	0.18x	0.14x	0.16x	0.16x	0.19x
Asset Growth %	-	74.8%	37.27%	33.8%	76.42%	57.21%	1.69%	14.44%	0.41%
Total Current Liabilities+	558.28M	963.49M	1.43B	1.99B	3.77B	5.66B	6.73B	10.12B	9.25B
Accounts Payable	7.87M	16.46M	2.76M	16.29M	28.93M	20.56M	17.65M	1.45B	1.27B
Days Payables Outstanding	45.57	69.8	8.59	23.64	27.98	12.6	12.39	980.3	776.54
Short-Term Debt	29.04M	36.78M	2.7M	703.93M	609.09M	697.34M	345.36M	252M	234M
Deferred Revenue (Current)	0	0	0	0	0	0	0	8.36B	7.68B
Other Current Liabilities	488.6M	863.29M	1.36B	1.16B	2.93B	4.6B	6.06B	0	0
Current Ratio	2.12x	2.17x	2.05x	1.86x	1.81x	1.87x	1.55x	1.13x	1.21x
Quick Ratio	2.12x	2.17x	2.05x	1.86x	1.81x	1.87x	1.55x	1.13x	1.21x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	461.99M	838.65M	1.21B	1.24B	2.01B	3.45B	2.96B	1.43B	2.29B
Long-Term Debt	86.43M	291.04M	450.01M	483.54M	265.7M	423.29M	124.04M	86M	464M
Capital Lease Obligations	0	0	0	55.25M	71.65M	134.09M	128.36M	104M	70M
Deferred Tax Liabilities	0	0	0	0	0	0	0	1M	1M
Other Non-Current Liabilities	375.57M	547.61M	756.38M	697.9M	1.67B	2.89B	2.71B	-175M	-350M
Total Liabilities	1.02B	1.8B	2.64B	3.23B	5.77B	9.1B	9.69B	11.55B	11.55B
Total Debt+	115.47M	327.81M	452.71M	1.26B	967.55M	1.28B	637.95M	472M	791M
Net Debt	115.47M	327.81M	452.67M	1.24B	358.06M	-462.97M	-905.12M	-1.92B	-2.45B
Debt / Equity	0.38x	0.63x	0.83x	1.22x	0.56x	0.47x	0.27x	0.21x	0.35x
Debt / EBITDA	4.87x	4.68x	17.79x	-	-	-	-	-	11.63x
Net Debt / EBITDA	4.87x	4.68x	17.79x	-	-	-	-	-	-36.06x
Interest Coverage	-	-	-	-	-	-	-6.67x	-1.09x	-0.24x
Total Equity+	306.53M	517.06M	546.54M	1.03B	1.74B	2.71B	2.32B	2.2B	2.26B
Equity Growth %	-	68.68%	5.7%	88.64%	69.01%	55.56%	-14.37%	-5.35%	2.73%
Book Value per Share	-	-	-	-	-	-	6.92	6.07	6.19
Total Shareholders' Equity	306.53M	517.06M	539.76M	1.02B	1.73B	2.7B	2.32B	2.19B	2.09B
Common Stock	206.3K	239.78K	224.07K	243.25K	297.81K	331.64K	287.8K	0	0
Retained Earnings	60.04M	108.03M	103.94M	2.37M	-155.31M	-958.01M	-1.8B	-2.16B	-2.08B
Treasury Stock	0	0	0	0	0	0	0	0	0
Accumulated OCI	8.06M	45.63M	78.53M	78.13M	74.82M	91.75M	123.56M	-311M	-479M
Minority Interest	0	0	6.78M	6.51M	7.91M	8.07M	6.04M	5M	171M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	47.65M	-316.54M	81.72M	-902.92M	198.24M	-365.47M	336M	808M	587M
Operating CF Margin %	12.23%	-57.81%	12.06%	-106.28%	14.87%	-22.57%	17.8%	36.71%	22.01%
Operating CF Growth %	-	-764.37%	125.82%	-1204.91%	121.96%	-284.36%	191.94%	140.48%	-27.35%
Net Income	12.43M	42.01M	11.63M	-92.41M	-153.95M	-775.71M	-1.04B	-304M	33M
Depreciation & Amortization	12.4M	15.47M	16.08M	31.94M	48.73M	82.47M	162M	227M	189M
Stock-Based Compensation	2.28M	-63.63K	868.75K	511.27K	10.88M	58.48M	56M	43M	92M
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	17.98M	51.83M	28.66M	34.65M	18.84M	233.15M	1.07B	475M	438M
Working Capital Changes	2.56M	-425.79M	24.48M	-877.62M	273.73M	36.15M	88M	367M	-165M
Change in Receivables	0	0	0	0	0	0	-1.76B	-1.72B	-1.18B
Change in Inventory	0	0	0	0	0	0	0	0	0
Change in Payables	0	0	0	0	0	0	0	0	0
Cash from Investing+	-10.3M	-68.39M	-34.31M	-147.27M	-57.29M	-489.4M	-459M	-83M	154M
Capital Expenditures	-2.72M	-4M	-6.04M	-19.89M	-7.77M	-27.08M	-11M	-1M	-1M
CapEx % of Revenue	0.7%	0.73%	0.89%	2.34%	0.58%	1.67%	0.58%	0.05%	0.04%
Acquisitions	0	-48.8M	-5.64K	-104.55M	-17.32M	-245.2M	-354M	0	199M
Investments	-	-	-	-	-	-	-	-	-
Other Investing	-7.57M	-15.59M	-28.27M	-22.83M	-32.2M	-217.12M	-94M	-82M	-44M
Cash from Financing+	43.3M	372.46M	82.86M	976.68M	535.19M	2.14B	18M	-62M	312M
Debt Issued (Net)	32.59M	243.08M	33.59M	371M	-193.97M	481.77M	-782M	-78M	170M
Equity Issued (Net)	0	0	0	0	0	0	1000K	1000K	0
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0
Other Financing	10.72M	129.39M	49.26M	605.68M	729.15M	1.66B	1M	-23M	142M
Net Change in Cash	128.65M	3.04M	124.61M	-82.87M	667.77M	1.23B	-377M	697M	852M
Free Cash Flow+	44.92M	-320.54M	75.68M	-922.81M	190.47M	-392.56M	231M	723M	542M
FCF Margin %	11.53%	-58.55%	11.17%	-108.62%	14.29%	-24.25%	12.24%	32.85%	20.32%
FCF Growth %	-	-813.56%	123.61%	-1319.3%	120.64%	-306.1%	158.85%	212.99%	-25.03%
FCF per Share	-	-	-	-	-	-	0.69	2.00	1.49
FCF Conversion (FCF/Net Income)	3.83x	-7.54x	7.03x	9.77x	-1.29x	0.47x	-0.32x	-3.24x	195.67x
Interest Paid	0	0	0	0	0	0	0	0	0
Taxes Paid	0	0	0	0	0	0	0	0	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.06%	10.2%	2.19%	-11.72%	-11.1%	-34.84%	-41.26%	-11.02%	0.13%
Return on Invested Capital (ROIC)	3.28%	7.54%	1.45%	-5.11%	-6.41%	-25.15%	-40.12%	-28.6%	-218.67%
Gross Margin	83.83%	84.28%	82.69%	70.4%	71.69%	63.2%	72.46%	75.42%	77.65%
Net Margin	3.19%	7.67%	1.72%	-10.88%	-11.55%	-47.91%	-54.98%	-11.31%	0.11%
Debt / Equity	0.38x	0.63x	0.83x	1.22x	0.56x	0.47x	0.27x	0.21x	0.35x
Interest Coverage	-	-	-	-	-	-	-6.67x	-1.09x	-0.24x
FCF Conversion	3.83x	-7.54x	7.03x	9.77x	-1.29x	0.47x	-0.32x	-3.24x	195.67x
Revenue Growth	-	40.53%	23.78%	25.36%	56.95%	21.42%	16.62%	16.58%	21.17%

Klarna Group plc (KLAR) 10-Year Financial Performance & Capital Metrics

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Klarna Group plc (KLAR) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare KLAR vs Peers

vs XYZ

vs CPAY

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Profit & Loss

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Cash Flow

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Deep Dive Analysis

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Dividend History

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